SCHEDULE OF BENEFITS EFFECTIVE DATE: January 1, 2023 ELIGIBLE CLASSES: Each Active Full-time employee, except any person employed on a temporary or seasonal basis. INDIVIDUAL EFFECTIVE DATE: The first day of the month following the date you complete your enrollment form. INDIVIDUAL REINSTATEMENT: 6 months AMOUNT OF INSURANCE: Eligible Person: Increments of $10,000 from a minimum of $10,000 to a maximum of $30,000. Dependent Coverage: Spouse: Increments of $10,000 from a minimum of $10,000 to a maximum of $30,000 not to exceed 100% of your approved Amount of Insurance. Child: 50% of your approved Amount of Insurance, up to $15,000. Child coverage is guaranteed issue and is not subject to proof of good health. CRITICAL ILLNESSES: Alzheimer's Disease 50% of the Amount of Insurance Benign Brain Tumor 75% of the Amount of Insurance Carcinoma in Situ 30% of the Amount of Insurance Coma 100% of the Amount of Insurance Coronary Artery Disease 30% of the Amount of Insurance Heart Attack 100% of the Amount of Insurance Life Threatening Cancer 100% of the Amount of Insurance Loss of Hearing 100% of the Amount of Insurance Loss of Sight 100% of the Amount of Insurance Loss of Speech 100% of the Amount of Insurance Major Organ Failure 100% of the Amount of Insurance Motor Neuron Diseases 100% of the Amount of Insurance Multiple Sclerosis 30% of the Amount of Insurance Paralysis 100% of the Amount of Insurance Parkinson's Disease 100% of the Amount of Insurance Ruptured Cerebral, Carotid or Aortic Aneurysm 25% of the Amount of Insurance Severe Brain Damage 25% of the Amount of Insurance Skin Cancer 5% of the Amount of Insurance LRS-9538-1-0118 Page 1.0